Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$110,920Cash toward the purchase price.
Closing costs + prepaids$15,042Not just lender fees.
Before credits & paid funds$125,962The complete starting cash picture.
Estimated remaining funds due at closing
$125,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,919.69
Your down payment$110,919.69
Closing costs + prepaids$15,042.14
Total buyer cash needed$125,961.84
Remaining funds due$125,961.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,840.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$326.75
Initial HOA (3 months)$993.00
Prepaid interest, first (24 days)$1,623.99
Fees + prepaids$15,042.14
Your down payment is the seller’s equity. You take over the $368,080 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $125,961.84 is due at closing. Uses and sources reconcile at $494,042.14 each. Not a Closing Disclosure.